4 Things To Remember When Getting Business Insurance for Your Cleaning Business

​One of the most thriving businesses during the coronavirus pandemic is the cleaning and sanitizing industry. Clients and companies will hire you to clean, sanitize and deodorize homes, offices, and other indoor spaces. Getting your business insured and bonded can limit your risks plus, it will help you improve your business in the long run.

1. Possible Risks of a Cleaning Business
   You'll face a variety of risks in a cleaning business. Property damage, injuries to employees as they perform their tasks, and possible accusations of theft are just some of the common threats. With cleaning business insurance, you can cover your business from different liabilities. Meanwhile, a bonded company protects your business, clients, and employees from risks, damages, and lawsuits. 
   
   Cleaning insurance and bonds are also required by clients and are stated in contracts and agreements. In some states, you won't operate if your cleaning business is not insured and bonded.
     
2. Insured and Bonded Benefits 
   Having your cleaning business insured and bonded shows that your company is trustworthy and reputable. Your clients will also have utmost peace of mind knowing that they are hiring a reliable, high-quality cleaning company. Insurance and bonds will also protect you from liabilities and problems. 
   
   
3. Find Out Local Requirements
   Requirements for cleaning business insurance and bonds vary from one state to another or city to city. It would help if you started by contacting your state or city chamber of commerce to determine the requirements. Here you'll be able to get information about bond requirements and business insurance as well. 
   
   Take, for example, Florida state requires cleaning companies that have five employees or more to have worker's compensation insurance and auto insurance if you use any company-owned vehicles to conduct business.  If you are renting an office space or any equipment, you also need insurance to cover them. 
   
   
4. Consider Your Risks
   Cleaning businesses often have to deal with business risks such as client injuries, employee illness or injuries, third-party property damages, business vehicle accidents, and employee theft.  Talk to a business insurance agent to help you find the right coverage according to your risks.

Conclusion
All kinds of businesses have risks. If you already have business insurance, update this regularly as you consider new threats to your employees, clients, partners, and customers. 

At Kapasu Insurance Services Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (760) 995-3853. You can also request a free quote by CLICKING HERE.